Reply. Hi Melissa: To completely avoid mortgage insurance payments, you would have to put 20% down and it has to be a conventional loan. However, if you go with a conventional loan for your next home, you can take a look at a lender-paid mortgage insurance program like PMI Advantage.
Theoretically, you can become lactose intolerant at any point. While it is true that most people show their intolerance to lactose early in life, people can get it in their teenage years, or even in adulthood. Lactose intolerance is caused by a deficiency in the enzyme lactase in the inner lining of the GI wall.
The intestinal cells of lactose-intolerant people do not produce lactase, the enzyme needed to break down lactose. This problem shows how the lack of just one enzyme in the human body can lead to problems. A person who is lactose intolerant can swallow a drop of lactase prior to drinking milk and the problem is solved.